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                                                                   EXHIBIT 23(d)


                        CONSENT OF INDEPENDENT AUDITORS

        
We consent to the reference to our firm under the caption "Experts" in
the Registration Statement (Form S-4) and related Prospectus of First Tennessee
National Corporation for the registration of 244,000 shares of its common stock
and associated rights and to the incorporation by reference therein of our
report dated March 19, 1993, with respect to the consolidated financial
statements of Maryland National Mortgage Corporation for the year ended
December 31, 1992, included in Form 8-K, dated October 1, 1993, of First
Tennessee National Corporation, filed with the Securities and Exchange
Commission.


                                              Ernst & Young LLP

Baltimore, Maryland
August 18, 1994